A bank reference is an official confirmation from your bank that you have made a financial transfer from your bank account to the Bits of Gold bank account. You can find it at the end of the payment transfer process. A simple screenshot of the confirmation screen is sufficient, but you can also request the confirmation directly from the bank if you missed it.
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An order cannot be completed via bank transfer without a screenshot of the confirmation. The screenshot must be complete, clear, and include the following details: beneficiary's name, account details, date, and the Bits of Gold order number (included in the notes).
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Bank reference must include:

Please ensure that all this information is visible and clear in the screenshot of the bank confirmation.